Who We Serve

Our clients are busy. If they're not working hard, they're playing hard, spending time traveling, golfing, birding, or volunteering. Some are thinking about their legacy. You’ve made a good living and you want your kids. or nieces and nephews, to know the value of a dollar. More importantly, you want them to know how to earn it. You've invested heavily in their education. Part of that education is not giving them money whenever they ask for it. You earned yours, they should too. But you'll make sure they have the tools to do so.

Self Employed Business Owners & Professionals

Our self employed business owners and professionals come from all backgrounds including small manufacturing companies, jewelers, junk yard owners, to surgeons, IT professionals, professors, attorneys and pharmacists and directors. They love what they do, but also want to walk away from it successfully one day. They're about 10 years out from retirement and are earning more than they ever dreamed. Which means, they're paying more taxes that they ever thought they would too. They're concerned about:

How can I maximize my earnings now so that I am ready to retire in 10 years?

Where should I be saving? I'm already maxing my 401k.

How can I diversify assets outside my business?

Should I pay off my mortgage?

How do I pay for my kids college?

What is the best way to sell my business to minimize taxes?

Retired Travelers

Many clients go to Florida for winter or spend a good portion of their winter somewhere sunnier than Michigan. They want to be warm and near a beach or golf course. They appreciate life and don’t want to spend time worrying about their money. The majority of their savings is in a 401k. They usually retire around age 60 and have questions like:

When should I take social security?

How can I lower my taxes when I start withdrawals?

Should I do a Roth Conversion so that required minimum distributions don't push me into a high tax bracket?

What income can I expect in retirement?

Where should I take income first?

Who's going to handle the money for my spouse if I die?

How can I protect my spouse if I go into a nursing home?

Can I afford to buy a second home?

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